Credit union
Robins Financial Credit Union
Warner Robins, Georgia, Houston County, GA
$5.0B in total assets and 273,627 members, the 93rd largest of 4,298 US credit unions and 2nd of 71 headquartered in Georgia.
- NCUA charter
- 68670
- Charter
- State chartered (GA)
- Chartered
- 1954
- NCUA insured since
- 1971
- Low-income designation
- Yes
- Website
- http://www.robinsfcu.org
Earlier filings under Robins Federal Credit Union (charter 9331), before a charter conversion, are included in the history below.
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.0B | 85% | $2.1B | |
| Loans | $2.9B | 77% | $1.5B | |
| Deposits (shares) | $4.1B | 85% | $1.8B | |
| Members | 273,627 | 86% | 117,912 | |
| Return on assets | 1.95% | 98% | 0.82% | |
| Net interest income to assets | 3.49% | 54% | 3.42% | |
| Efficiency ratio | 55.1% | 6% | 71.8% | |
| Net worth ratio | 17.61% | 97% | 10.86% | |
| Loans to shares | 71% | 15% | 88% | |
| Cost of deposits | 1.19% | 9% | 1.79% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 8.4% a year over 10 years and 6.0% a year over the last 5, including 2 mergers in the last 10 years. Membership grew 2.9% a year over 5 years, to 273,627.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Nov 2022 | Persons Banking Company Bank, Forsyth, GA | $408M |
| Jul 2016 | Jeff Davis Credit Union Credit union, Hazlehurst, GA | $4M |
| Sep 2014 | Piney Grove Community Federal Credit Union Credit union, Swainsboro, GA | $53K |
Where they operate
23 branches in 13 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Houston County, GA | 8 | 20.0% | 1 of 18 |
| Bibb County, GA | 4 | 6.9% | 4 of 24 |
| Baldwin County, GA | 1 | 9.1% | 4 of 8 |
| Clarke County, GA | 1 | 2.9% | 7 of 21 |
| Dodge County, GA | 1 | 16.7% | 2 of 5 |
| Emanuel County, GA | 1 | 12.5% | 3 of 6 |
| Jones County, GA | 1 | 20.0% | 1 of 5 |
| Laurens County, GA | 1 | 4.5% | 7 of 13 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 19 | |
| 2017 | 20 | +1 |
| 2018 | 21 | +1 |
| 2019 | 22 | +1 |
| 2020 | 22 | 0 |
| 2021 | 22 | 0 |
| 2022 | 26 | +4 |
| 2023 | 23 | −3 |
| 2024 | 23 | 0 |
| 2025 | 24 | +1 |
| Jun 2026 | 23 | −1 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.40% | 0.69% |
| Net worth ratio | 17.61% | 10.86% |
| Loans to shares | 71% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Georgia
Most branches in Houston County, GA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.